Manhattan Construction (Houston)
Multiple converging signals. Underwriter attention warranted this quarter.
31 computed points across the 90-day window. Decay-weighted aggregate of 9 raw signals.
Tractor yard 71% empty vs. 90-day baseline
Roof scarring visible on aerial — likely fire damage
Generate a binding-decision recommendation — disposition, premium guidance, and the drivers behind it — synthesized from this risk's signals, litigation, claims history, and comparable nuclear verdicts.
What the fabric heard.
- Satellite / Aerial Change Detection3 weeks agosev 6
Tractor yard 71% empty vs. 90-day baseline
Aerial pixel-diff: tractor yard utilization dropped from baseline 82% → 24% over 30 days. Either fleet sold, leased out, or operations halted.
- Satellite / Aerial Change Detection4 weeks agosev 9
Roof scarring visible on aerial — likely fire damage
Sentinel-2 imagery (post-Mar 14) shows distinct roof scarring across ~40% of insured warehouse footprint. No claim reported. Inspect.
- Court Docket Scrape6 weeks agosev 5
Premises liability action — slip and fall, second this quarter
Second premises slip-and-fall action filed against same location in 90 days. Same plaintiff firm on both. Pattern flag.
- Court Docket Scrape6 weeks agosev 6
New auto-bodily-injury suit filed (Harris County, TX)
Plaintiff alleges T-bone collision caused by insured's driver running red. Soft-tissue + lumbar surgery claimed. Demand pleads above policy limits.
- Court Docket Scrape2 months agosev 5
Premises liability action — slip and fall, second this quarter
Second premises slip-and-fall action filed against same location in 90 days. Same plaintiff firm on both. Pattern flag.
- Satellite / Aerial Change Detection2 months agosev 6
Tractor yard 71% empty vs. 90-day baseline
Aerial pixel-diff: tractor yard utilization dropped from baseline 82% → 24% over 30 days. Either fleet sold, leased out, or operations halted.
- LinkedIn Headcount Delta2 months agosev 4
Headcount up 31% in 90d — onboarding-risk window
Headcount climbed 31% in 90 days (104 → 136). Largely entry-level CDL drivers. Onboarding-related loss frequency typically follows.
- LinkedIn Headcount Delta3 months agosev 4
Headcount up 31% in 90d — onboarding-risk window
Headcount climbed 31% in 90 days (104 → 136). Largely entry-level CDL drivers. Onboarding-related loss frequency typically follows.
- Owner Social Distress Signal3 months agosev 7
Owner publicly soliciting acquisition interest
Owner posted on LinkedIn: 'open to conversations with strategic acquirers — 27 years has been a run.' Comment thread includes two business-broker DMs.